Professional Documents
Culture Documents
Key Features
Introduction
Your commitment
Brochure
Investment Guide
Personal Illustration
You should keep all these documents in a safe place.
Once you have successfully applied for your policy, you
will be given a Policy Schedule and Terms and Conditions,
which you should also keep safely.
You can request a copy of the Terms and Conditions at
any time.
Availability
Paragon is not available to residents of the USA.
Certain restrictions may apply to residents of other
countries please ask your nancial adviser for details.
Its aims
Your Paragon policy will give you the opportunity to
invest regular premium payments over the medium
to long term with the aim of increasing the value of
your investment.
Your Paragon policy will allow you to link to a wide
range of different funds, with the exibility to switch
between those funds at any time.
To give you the option of taking regular and one-off
withdrawals after the rst 5 years.
Risk factors
Investment growth may be lower than that assumed on
your Personal Illustration and as a result the value
of your policy may be lower.
Charges may be higher than those shown in your
Personal Illustration. For example, premium payment
charges may change, or switch charges may be
imposed at a later date.
Where the provider of a fund linked to your policy
becomes insolvent or is unable to meet its liabilities for
any reason, your policy will suffer the loss.
If you take withdrawals that exceed the growth in your
policy, the value of your investment will be reduced.
During the early years, charges deducted from your
policy may mean that in the rst few years you are
unlikely to get back as much as you have paid in. Please
refer to the What are the charges on my Paragon
policy? section on page 4 for further details.
The value of your investments can go down as well as
up and is not guaranteed. Where you are investing in
funds denominated in a currency different to that of
your Paragon policy, the investment returns may be
subject to currency uctuation risk.
Changes to the law may affect the tax treatment
of your Paragon policy or the funds linked to it and
reduce the amount you get back in the future.
Your policy does not protect you from the effects of
ination which will reduce the purchasing power of
your investment over time.
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Q
A
What is Paragon?
Paragon is an off shore regular premium savings policy
issued in the Isle of Man by RL360 Insurance Company
Limited (RL360). To provide exibility you may divide
your investment up to a maximum of 100 identical
segments with a specied premium payment term. The
minimum investment per segment is GBP25/EUR38/
USD50.
Q
A
Q
A
Policy
currency
Monthly
Quarterly
GBP
100
300
600
1,000
EUR
150
450
900
1,500
USD
200
600
1,200
2,000
Monthly
Q
A
Q
A
GBP
25
25
25
25
EUR
38
38
38
38
USD
50
50
50
50
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Q
A
Q
A
Q
A
Q
A
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Annualised premium
Q
A
Q
A
Q
A
EUR
USD
1,000 to
1,499
1,500 to
2,249
2,000 to
2,999
100%
1,500 to
1,799
2,250 to
2,699
3,000 to
3,599
101%
1,800 to
2,399
2,700 to
3,599
3,600 to
4,799
103%
2,400 to
3,599
3,600 to
5,399
4,800 to
7,199
105%
3,600+
5,400+
7,200+
107%
Allocation
rate
GBP
Percentage
30
10
36
15
43
20
49
25
54
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Q
A
Q
A
Q
A
Premium term
Starting policy
anniversary
5-7 years
8-11 years
12-15 years
16-19 years
20-23 years
24-25 years
What do I do next?
If you have read the product literature and Key Features
of Paragon and have taken advice from your nancial
adviser, all you need to do is complete the Application
Form and send it, together with any payment
instructions, to your nancial adviser who will pass it
to our Isle of Man New Business team. The Application
Form should be accompanied by your Personal
Illustration.
Depending on your payment frequency, you may
invest by credit card, direct debit, telegraphic transfer,
standing order, bankers draft or cheque.
Cheques should be made payable to RL360 Insurance
Company Limited and building society cheques should
be referenced with the account holders name and
building society account number on the front of the
cheque.
If you wish to make payment by telegraphic transfer
or standing order, please contact the New Business
team on +44 (0) 1624 681 578, or your nearest regional
office, further details of which can be found on the
back page. Any charges associated with payment by
telegraphic transfer will be deducted from the value of
each premium.
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Important information
How to contact us
Important notes
Paragon is available exclusively in association with
nancial advisers. Your nancial adviser can provide a nal
recommendation as to whether or not Paragon is suitable
for you.
Complaints
If you wish to complain about any aspect of your policy
please consult your nancial adviser or write to our Head of
Customer Services at our head office address.
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Servicing